181 White St, Erwin, TN 37650 Property Records

Unicoi County property record for 181 White St, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,144 sqft · built 2005
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Apr 2020)
Tax Bill	$1,930 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`024-057.03`

Property Details

APN / Parcel Number

Primary APN	`024-057.03`
Alternative APNs	`086024 05703` `000006115`

Interior

Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	2 Stories
Building Area	2,144 sqft Living Area
Gross Area	2,508 sqft
1st Floor Area	1,007 sqft
Upper Floors Area	494 sqft
Basement Area	1,007 sqft
Finished Basement	643 sqft
Unfinished Basement	364 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2007
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	87,120 sqft (2 acres)
Terrain	Mountain

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	144 sqft
Deck Area	237 sqft
Patio Area	287 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	181 WHITE ST
City	ERWIN
State	TN
Zip	37650-8849
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PB C PG 77
Legal Subdivision	ANTHONY WHITE & BETTY TIPTON PROP
Jurisdiction	UNICOI TN
Township / Civil Division	2
Census Block Group	3
Census Block	3007
Census Tract	80200

Owner

Source: Unicoi County records, as of March 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	181 WHITE ST, ERWIN, TN 37650-8849
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF TENNESSEE
Nov 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage CLINCHFIELD FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2020 · Amount on Record
Deed Sale	Apr 6, 2020 · Amount on Record
Deed Document Number	2020629
Deed Book / Page	432 / 126
Record Updated	Jun 8, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Apr 6, 2020
Property Address	181 WHITE ST, ERWIN, TN 37650-8849
Document Number	432126
Book / Page	000432 / 000126
Instrument Date	Apr 3, 2020
Instrument	629
Transaction Type	Transfer
Record Updated	Jun 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$981.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	181 WHITE ST ERWIN TN 376508849, ERWIN, TN 37650-8849

Mortgage

Document Number	432130
Date	Apr 6, 2020
Book Page	000432/000130
Instrument	630

Lender

Name	BANK OF TENNESSEE
Type	Bank
Address	KINGSPORT, TN 37660

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	181 WHITE ST, ERWIN, TN 37650-8849
Document Number	428262
Instrument Date	Nov 7, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 WHITE ST ERWIN TN 376508849, ERWIN, TN 37650-8849

Mortgage

Document Number	428262
Date	Nov 13, 2019
Book Page	000428/000262
Instrument	2167

Lender

Name	CLINCHFIELD FCU
Type	Credit Union
Address	ERWIN, TN 37650

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.2%

Tax Assessment & Valuation

Source: Unicoi County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Unicoi County
Unified School District	Unicoi County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,930.00	$73,925 (-) Land $12,800 Building $61,125	$295,700 (-) Land $51,200 Building $244,500
2024	$1,930.00 (+18.62%)	$73,925 (-) Land $12,800 Building $61,125
2023		$73,925 (+6.79%) Land $12,800 Building $61,125
2022	$1,627.00	$69,225 Land $8,100 Building $61,125	$295,700 Land $51,200 Building $244,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 23, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	6 (1999–2018)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Feb 2018 · other causes
Claims by Event	Severe Storms And Flooding, Aug 2001 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · above 69% of Tennessee
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ERWIN UTILITIES AUTHORITY serves 12,478 people · EPA ID TN0000231
Water Source	Groundwater influenced by surface water
Last State Inspection	Feb 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Erwin Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Point Broadband.

Nearby Properties on White St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures